How likely am I to get approved for BCE?

[Anonymous]

My AAoA is 8 months and my oldest TL is 1 year and 4 months

Chase Freedom opened 9/12

Discover More opened 8/12

Wells Fargo Cash Back opened 1/12

I have a few student loans as well, I am just waiting until next month in order to drop my utilization to about 3%

Do you guys think I have a shot? or should I try for a charge card?

[daybreakgonesXe]

In my personal opinion you're more likely to be approved for a charge than the BCE so far. If you're willing to wait at least 4 months, then you have a good shot at the BCE!

[Brandnick]

What is your fico score now ? 

Based on a lot of other persons posts you should be safe if you are over 720,  however I have seen persons getting approved with score starting from 680

The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try. 

[distantarray]

i would guess 25% chance at best

[Anonymous]

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@Brandnick wrote:

What is your fico score now ? 

Based on a lot of other persons posts you should be safe if you are over 720,  however I have seen persons getting approved with score starting from 680

The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try. 

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My fico score is 704. I am getting this card mainly because of the consistent reward categories on gas and groceries plus no AF

[Anonymous]

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@distantarray wrote:

i would guess 25% chance at best

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So if I apply 4 times in a row i'll get it? Sweet!!!! haha jk

[Brandnick]

Ok 704 you have increased your chance to about 70% the risk to Amex is your credit is really young without much history . 

[distantarray]

lol reminds me of dumb and dumber quote "so do I have a chance? like one in a hundred? no.... one in a million..... so ... your telling me I have a chance! YEA!

[CruzImperial]

My best bet is to wait until April and you guarantee the approval. Right now there is a risk with new trade lines and young history.

[sakhalin070]

Have you tried AMEX's pre-selector?